Call reports 2005
STATE BANK OF CERRO GORDO — 2005
What STATE BANK OF CERRO GORDO reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 24,544,000 | 24,339,000 | 24,684,000 | 24,960,000 |
| Total loans | 13,649,000 | 13,116,000 | 13,237,000 | 13,374,000 |
| Allowance for loan losses | 138,000 | 140,000 | 141,000 | 139,000 |
| Securities available for sale | 1,833,000 | 1,843,000 | 1,797,000 | 1,775,000 |
| Securities held to maturity | 5,871,000 | 5,868,000 | 5,750,000 | 5,682,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,303,000 | 19,027,000 | 19,333,000 | 19,797,000 |
| Interest-bearing deposits | 17,334,000 | 16,861,000 | 16,796,000 | 17,020,000 |
| Noninterest-bearing deposits | 1,969,000 | 2,166,000 | 2,537,000 | 2,777,000 |
| Equity capital | 3,923,000 | 3,987,000 | 4,013,000 | 3,836,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 304,000 | 606,000 | 914,000 | 1,237,000 |
| Interest expense | 97,000 | 192,000 | 288,000 | 398,000 |
| Net interest income | 207,000 | 414,000 | 626,000 | 839,000 |
| Noninterest income | 39,000 | 80,000 | 116,000 | 159,000 |
| Noninterest expense | 166,000 | 348,000 | 527,000 | 710,000 |
| Provision for loan losses | 2,000 | 2,000 | 3,000 | 4,000 |
| Pretax income | 78,000 | 144,000 | 212,000 | 284,000 |
| Income tax | 19,000 | 34,000 | 51,000 | 69,000 |
| Net income | 59,000 | 110,000 | 161,000 | 215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,370,000 | 3,426,000 | 3,471,000 | 3,287,000 |
| Total capital | 3,512,000 | 3,574,000 | 3,612,000 | 3,434,000 |
| Risk-weighted assets | 13,112,000 | 13,164,000 | 13,346,000 | 13,479,000 |
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